Analyzing National Bank (NYSE:NBHC) and Chino Commercial Bancorp (OTCMKTS:CCBC)
Chino Commercial Bancorp (OTCMKTS:CCBC – Get Rating) and National Bank (NYSE:NBHC – Get Rating) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their earnings, risk, valuation, profitability, institutional ownership, dividends and analyst recommendations.
Insider and Institutional Ownership
5.8% of Chino Commercial Bancorp shares are owned by institutional investors. Comparatively, 97.6% of National Bank shares are owned by institutional investors. 32.5% of Chino Commercial Bancorp shares are owned by insiders. Comparatively, 4.8% of National Bank shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
This table compares Chino Commercial Bancorp and National Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Chino Commercial Bancorp||24.60%||N/A||N/A|
This is a summary of recent ratings and recommmendations for Chino Commercial Bancorp and National Bank, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Chino Commercial Bancorp||0||0||0||0||N/A|
National Bank has a consensus target price of $45.33, suggesting a potential upside of 16.69%. Given National Bank’s higher probable upside, analysts clearly believe National Bank is more favorable than Chino Commercial Bancorp.
Volatility and Risk
Chino Commercial Bancorp has a beta of 0.7, indicating that its stock price is 30% less volatile than the S&P 500. Comparatively, National Bank has a beta of 0.9, indicating that its stock price is 10% less volatile than the S&P 500.
Earnings and Valuation
This table compares Chino Commercial Bancorp and National Bank’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Chino Commercial Bancorp||$13.07 million||2.36||$3.13 million||$1.19||9.66|
|National Bank||$311.33 million||3.75||$93.61 million||$2.75||14.13|
National Bank has higher revenue and earnings than Chino Commercial Bancorp. Chino Commercial Bancorp is trading at a lower price-to-earnings ratio than National Bank, indicating that it is currently the more affordable of the two stocks.
National Bank beats Chino Commercial Bancorp on 12 of the 13 factors compared between the two stocks.
About Chino Commercial Bancorp (Get Rating)
Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A. that provides commercial banking services to individuals and small businesses primarily in the Inland Empire region of Southern California. The company’s deposit products include non-interest bearing deposits, money market accounts, checking and savings accounts, certificates of deposit, and individual retirement accounts. It also provides commercial loan products, such as lines of credit, letters of credit, term loans and equipment loans, commercial real estate loans, accounts receivable financing, factoring, equipment leasing, and other working capital financing; auto, home equity and home improvement lines of credit, and personal lines of credit; and real estate loan products comprising construction loans, lot loans, residential real estate brokerage, commercial real estate conduit sales, mini-perm commercial real estates, and home mortgages. In addition, the company offers credit and debit card, cashier’s checks, courier, direct deposit, remote deposit capture, e-statement, electronic tax payment, night depository, notary, safe deposit box, savings bond, wire transfer, stop payment, and cash management, as well as online, telephone, and mobile banking services. It operates full-service branches in Chino, Ontario, Rancho Cucamonga, and Upland, California. Chino Commercial Bancorp was founded in 1999 and is headquartered in Chino, California.
About National Bank (Get Rating)
National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, and other deposit accounts, including fixed-rate and fixed maturity time deposits. The company also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, food and agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases; non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as office buildings, warehouse/distribution buildings, multi-family, hospitality, and retail buildings; small business administration loans to support manufacturers, distributors, and service providers; term loans, line of credits, and real estate secured loans; residential real estate loans; and consumer loans. In addition, it offers treasury management solutions comprising online and mobile banking, commercial credit card, wire transfer, automated clearing house, electronic bill payment, lock box, remote deposit capture, merchant processing, cash vault, controlled disbursements, and fraud prevention services, as well as other auxiliary services, including account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. As of January 20, 2022, the company operated through a network of 81 banking centers located in Colorado, the greater Kansas City region, New Mexico, Utah, and Texas. It also operates 121 ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. National Bank Holdings Corporation was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.
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